Warning, borrowing money also costs money.
Get on the Road to Your Dreams with Our Motorcycle / Scooter Loan!
Discover how our Motorcycle Loan solution, designed to finance your new, used, or electric two-wheeler, can help you bring your project to life in Belgium and Luxembourg. With our simplified motorcycle loan simulator, quickly estimate your financing and get ready to hit the road.
Simulate Your Motorcycle LoanLegal Notice
** A loan commits you and must be repaid. Check your repayment capabilities before committing. The rates indicated are for information purposes only and subject to approval of your application.
Discover the Motorcycle Loan: The Key to Your Two-Wheeler
The Motorcycle Loan (or scooter loan) is a specific-purpose installment loan, specially designed to finance the purchase of your two-wheeler, whether it’s new, used, or even electric. Available in Belgium and Luxembourg, it allows you to fulfill your passion for freedom on two wheels.
What type of two-wheeler can you finance with a Motorcycle Loan?
- New motorcycles: Roadsters, sport bikes, adventure bikes, customs, all models and all brands.
- New scooters: From 50cc to maxi-scooters for your urban commutes or longer journeys.
- Used motorcycles and scooters: Purchased from a professional (dealership) or a private individual (under certain conditions).
- Electric two-wheelers: Electric motorcycles and scooters, often benefiting from advantageous conditions.
Thanks to our online Motorcycle Loan simulator, you can instantly estimate:
- The amount you can borrow for your future motorcycle or scooter.
- The monthly payment that best suits your budget.
- The optimal repayment term for your motorcycle loan.
The Motorcycle Loan is characterized by interest rates that are often more attractive than those of a standard personal loan, because the two-wheeler itself serves as a “moral guarantee” for the loan. You will need to provide a purchase order or invoice for the vehicle to release the funds.
Free • No obligation • Quick initial response
Specific Advantages of the Motorcycle Loan
The Motorcycle Loan is a preferred financing solution for purchasing a two-wheeler thanks to its many benefits:
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Competitive interest rates: As a specific-purpose loan, the Motorcycle Loan often has lower rates than general-purpose personal loans.
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Financing up to 110%: Finance the entire price of your motorcycle, and sometimes even related costs (registration tax, first insurance premium, gear).
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Suitable for all two-wheelers: Whether you choose a scooter for the city, a roadster motorcycle, an electric model, or an adventure bike, there’s a Motorcycle Loan formula for you.
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Clarity and transparency: The online simulation and the contract offer detail the APR, monthly payments, term, and total cost of the credit.
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Borrower protection: As a specific-purpose loan, if the sale of the two-wheeler is canceled, the motorcycle loan is also canceled (under certain conditions).
With these advantages, the Motorcycle Loan is the ultimate financing solution to acquire your two-wheeler with peace of mind and control over your budget.
How to Get Your Motorcycle Loan Quickly?
Our process for financing your two-wheeler is designed to be simple, fast, and transparent.
1. Online Simulation
Use our Motorcycle Loan simulator: choose the amount and the term. Get an estimate of the monthly payment and APR.
2. Application and File
Fill out the online application. Prepare your documents: ID, proof of income, motorcycle license, and the two-wheeler’s purchase order.
3. Analysis and Response
Our motorcycle advisors analyze your file. You receive a quick in-principle decision.
4. Contract Signing
If the offer suits you, sign the Motorcycle Loan contract (often electronically).
5. Funds Paid to the Seller
After final approval, the funds are transferred directly to the dealership. You take possession of your motorcycle!
Our specialized motorcycle financing advisors are available to guide you every step of the way.
Conditions Tailored to Your Motorcycle Project
The Motorcycle Loan is designed to adapt to the type of two-wheeler you want to purchase and your financial situation:
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Fixed interest rate: Most motorcycle loans are offered at a fixed rate, guaranteeing you constant monthly payments throughout the loan’s term.
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Flexible repayment term: Depending on whether the two-wheeler is new or used, and its price, the term can be extended (for example, from 24 to 72 months).
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Early repayment possible: You can repay your Motorcycle Loan early in accordance with the law, subject to limited prepayment penalties.
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No mandatory down payment: Often, you can finance 100% of the purchase price without needing to make a down payment.
This flexibility helps you acquire the motorcycle or scooter of your dreams while maintaining sound financial management.
Confidently Prepare for Your Two-Wheeler Purchase
A well-planned Motorcycle Loan is the first step toward a successful and hassle-free purchase.
Define your needs
What type of two-wheeler? New or used? What’s the total budget (including insurance, gear, taxes)? A clear idea of your needs will simplify your application.
Simulate your financing
Use our Motorcycle Loan simulator to estimate your monthly payments. This will give you a clear idea of your borrowing capacity before visiting dealerships.
Gather your documents
Prepare your proof of income, ID, driver’s license, and, as soon as you have it, the purchase order. A complete file speeds up the process.
By anticipating these steps, you will approach the purchase of your motorcycle and its financing with confidence and peace of mind.
Testimonials: They Hit the Road Thanks to Our Motorcycle Loan
“I fell for a 125cc scooter to avoid the traffic jams in Brussels. CPE Crédit offered me a Motorcycle Loan with a great rate. The simulation was easy and my advisor was top-notch. I got my scooter in just a few days!”
“We wanted a motorcycle for our weekend rides. We found a beautiful used roadster. The Motorcycle Loan from CPE Crédit allowed us to finance it quickly. The payment was made directly to the dealership, which was very convenient.”
Our clients particularly appreciate their Motorcycle Loan for:
- The speed of the process, from simulation to the availability of funds.
- The clarity of the terms and proposed rates.
- The support from our advisors specialized in two-wheeler financing.
With the right Motorcycle Loan, purchasing your two-wheeler becomes a positive and controlled experience.
Motorcycle Loan FAQ
Find detailed answers to frequently asked questions about the Motorcycle / Scooter Loan here. This solution is designed to finance the purchase of your two-wheeler in Belgium and Luxembourg.
The Motorcycle Loan (or scooter loan) is a specific-purpose installment loan. The borrowed amount is exclusively intended to finance the purchase of a motorized two-wheeler: a new motorcycle, a used scooter, an electric motorcycle, etc. You will need to provide proof of purchase (a purchase order) for the loan to be approved, and the funds are often transferred directly to the seller (dealership or garage).
The main criteria are:
- Age and Residence: Be of legal age and reside in Belgium or Luxembourg.
- Stable Income: To cover the monthly payments in addition to your other expenses.
- Healthy Credit History: No significant negative listing at the NBB/CSSF.
- Driver’s License: You must hold a valid driver’s license for the engine size of the motorcycle or scooter you wish to purchase.
- Proof of Purchase: A purchase order for the two-wheeler is essential.
Yes, this is an important advantage. Many lenders offer financing up to 110% of the two-wheeler’s purchase price. This extra 10% is precisely intended to cover related costs, which for a biker include:
- Essential safety gear: helmet, gloves, jacket, pants, boots.
- The vehicle registration tax.
- The first insurance premium.
This allows you to hit the road safely without dipping into your savings. Mention this need to your advisor when you apply.
The term mainly depends on the age of the two-wheeler:
- For a new motorcycle or scooter, the repayment term can generally go up to 72 months (6 years), or even 84 months (7 years) for the most expensive models.
- For a used two-wheeler, the maximum term is often shorter. A common rule is that the vehicle’s age plus the loan term should not exceed a certain threshold (e.g., 8 or 10 years).
A longer term reduces the monthly payment but increases the total cost of the credit. Our simulator will help you find the best balance.
Legally, only Third-Party Liability (TPL) insurance is mandatory. However, for a new or recent two-wheeler financed by a Motorcycle Loan, it is highly recommended, and sometimes required by the lender, to take out additional insurance.
- Partial Comprehensive: Covers theft, fire, glass damage (windscreen, headlight), and natural disasters. This is a recommended minimum.
- Full Comprehensive (“All-Risk”): Additionally covers material damage to your own motorcycle, even if you are at fault. This is the safest protection for a valuable asset that you are still paying off.
Not having sufficient coverage means you might have to continue paying your loan for a damaged or stolen motorcycle.
Yes, in most cases. The Motorcycle Loan is a “specific-purpose” loan, linked to the purchase of a specific asset (the motorcycle or scooter). This asset serves as a moral guarantee for the lender, which reduces their risk. As a result, the Annual Percentage Rate (APR) of a Motorcycle Loan is generally lower than that of a Personal Loan, which can be used for any purpose.
Furthermore, even more advantageous rates may be offered for financing electric two-wheelers.